LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,491
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,524
−HK$3,081/mo
Today · 4.125%
HK$103,605
baseline
▲ 0.50% · 4.625%
HK$109,909
+HK$6,304/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$207,210/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,817,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,458
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,367
−HK$2,951/mo
Today · 4.125%
HK$114,318
baseline
▲ 0.50% · 4.625%
HK$120,344
+HK$6,026/mo
Deposit HK$21.38M · loan HK$21.38M · min. income ≈ HK$228,636/mo (50% DSR)
Upfront cash ≈ HK$23.19M (deposit + AVD stamp duty HK$1,817,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,990
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$120,629
−HK$3,697/mo
Today · 4.125%
HK$124,326
baseline
▲ 0.50% · 4.625%
HK$131,891
+HK$7,565/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$248,652/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,817,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,150
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$133,640
−HK$3,542/mo
Today · 4.125%
HK$137,182
baseline
▲ 0.50% · 4.625%
HK$144,413
+HK$7,231/mo
Deposit HK$17.10M · loan HK$25.65M · min. income ≈ HK$274,364/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,817,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,488
−HK$8,559/mo
▼ 0.25% · 3.875%
HK$140,734
−HK$4,313/mo
Today · 4.125%
HK$145,047
baseline
▲ 0.50% · 4.625%
HK$153,873
+HK$8,826/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$290,094/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,817,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,842
−HK$8,203/mo
▼ 0.25% · 3.875%
HK$155,914
−HK$4,131/mo
Today · 4.125%
HK$160,045
baseline
▲ 0.50% · 4.625%
HK$168,481
+HK$8,436/mo
Deposit HK$12.83M · loan HK$29.93M · min. income ≈ HK$320,090/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,817,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,485
−HK$11,004/mo
▼ 0.25% · 3.875%
HK$180,943
−HK$5,546/mo
Today · 4.125%
HK$186,489
baseline
▲ 0.50% · 4.625%
HK$197,836
+HK$11,347/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$372,978/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,225
−HK$10,547/mo
▼ 0.25% · 3.875%
HK$200,461
−HK$5,311/mo
Today · 4.125%
HK$205,772
baseline
▲ 0.50% · 4.625%
HK$216,619
+HK$10,847/mo
Deposit HK$4.28M · loan HK$38.48M · min. income ≈ HK$411,544/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,817,071 · Scale 2, in force from 26 Feb 2026)